Need help growing lines

[revvystoke]

I feel stuck, trying to find a way to grow my lines, and can't decide if opening a new account would be best, vs CLI's. I have not had a CLI other then Discover in the last 6 months. I have given up on Discover and they will likely be sockdrawered until they close for inactivity. I was considering opening another Alaska Air card, and either consolidating afterwards, or PC into better balance rewards. Any thoughts?

[takeshi74]

Have you received any denials for CLI requests?  CLI's are based on your credit and income.  If you're not getting CLI's then they're not justified as far as your creditors are concerned.  CLI's are not simply exchanged for time.

[NRB525]

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@revvystoke wrote:

I feel stuck, trying to find a way to grow my lines, and can't decide if opening a new account would be best, vs CLI's. I have not had a CLI other then Discover in the last 6 months. I have given up on Discover and they will likely be sockdrawered until they close for inactivity. I was considering opening another Alaska Air card, and either consolidating afterwards, or PC into better balance rewards. Any thoughts?

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AkAir $50k | CSP $35k | Marriott $32k |SPG $15k | Fidelity $10k | Credit Union $8k | Discover $8k

Have you run the SPG through the AMEX 3X CLI? They may ask you for a 4506-T to verify income, but then you get an explicit confirmation of what your CL can be, and it can be 3x this amount.

The top three cards you have, are rather high. Have you gone through income verification for those? How high do you expect the AkAir to go? $50k is a lot of credit on one card.

[revvystoke]

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@NRB525 wrote:

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@revvystoke wrote:

I feel stuck, trying to find a way to grow my lines, and can't decide if opening a new account would be best, vs CLI's. I have not had a CLI other then Discover in the last 6 months. I have given up on Discover and they will likely be sockdrawered until they close for inactivity. I was considering opening another Alaska Air card, and either consolidating afterwards, or PC into better balance rewards. Any thoughts?

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AkAir $50k | CSP $35k | Marriott $32k |SPG $15k | Fidelity $10k | Credit Union $8k | Discover $8k

Have you run the SPG through the AMEX 3X CLI? They may ask you for a 4506-T to verify income, but then you get an explicit confirmation of what your CL can be, and it can be 3x this amount.

The top three cards you have, are rather high. Have you gone through income verification for those? How high do you expect the AkAir to go? $50k is a lot of credit on one card.

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I have not 3x my personal SPG a second time yet, I chose instead to do that with my business card with them. I have not been denied a CLI yet, but Discover kept giving $500 increases so don't want to waste a pull with them. No income verification done before but wouldn't mind a 4506. I figured if I were to apply for a second Alaska Air card, and then PC next year before the annual fee, for me it seems easier for higher limits on a new account vs requesting one manually on an existing account.

[1GaDawg85]

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@revvystoke wrote:

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@NRB525 wrote:

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@revvystoke wrote:

I feel stuck, trying to find a way to grow my lines, and can't decide if opening a new account would be best, vs CLI's. I have not had a CLI other then Discover in the last 6 months. I have given up on Discover and they will likely be sockdrawered until they close for inactivity. I was considering opening another Alaska Air card, and either consolidating afterwards, or PC into better balance rewards. Any thoughts?

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AkAir $50k | CSP $35k | Marriott $32k |SPG $15k | Fidelity $10k | Credit Union $8k | Discover $8k

Have you run the SPG through the AMEX 3X CLI? They may ask you for a 4506-T to verify income, but then you get an explicit confirmation of what your CL can be, and it can be 3x this amount.

The top three cards you have, are rather high. Have you gone through income verification for those? How high do you expect the AkAir to go? $50k is a lot of credit on one card.

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I have not 3x my personal SPG a second time yet, I chose instead to do that with my business card with them. I have not been denied a CLI yet, but Discover kept giving $500 increases so don't want to waste a pull with them. No income verification done before but wouldn't mind a 4506. I figured if I were to apply for a second Alaska Air card, and then PC next year before the annual fee, for me it seems easier for higher limits on a new account vs requesting one manually on an existing account.

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What about your CU card for 8k?

[sccredit]

When did you do the biz 3X CLI?

[revvystoke]

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@sccredit wrote:

When did you do the biz 3X CLI?

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About a month ago. My credit union stated I am near their max limit, they are rather small, they said it was not an issue to go to their max amount but they would pull a report to do so and I decided against it.

[revvystoke]

Ended up applying for another Alaska Air card with BOA, instant approval for 17k. I plan to PC to better rewards before a year is up. Thanks for all the replies.

[Anonymous]

Congrats! You hae a great list of cards there. Fidelity Amex gives you a 2% floor on everything. The only thing left to do is find cards who have rewards that benefit you. I might also try to 3x CLI the Fidelity AMEX card in 5 months. 

[sccredit]

OP - I see you have FIA/BofA pretty well covered (Fidelity Alaska Air), Chase (Marriot and CSP) and it seems AMEX (Biz and SPG)

What about looking at other creditors?  PenFed, Citi, Barclays?